When your Massachusetts home sustains damage, you may expect your insurance company to cover the cost of repairs. Sometimes, though, your homeowners insurance may not offer the settlement you were expecting. In this situation, it is important to know what you can do.
Whether your home sustained roof damage in a storm or you were in a motor vehicle accident, you are likely to deal with insurance companies. Most people in Massachusetts and elsewhere will file an insurance claim at some point during their lifetime. Sometimes the process is simple and straightforward. However, in other cases, you may find yourself struggling with the insurance company at every step.
Filing for an insurance claim is not easy work. You will probably have to do quite a bit of record keeping and emailing back and forth with your insurance claims approval division. However, you may be able to navigate this system effectively for minor claims.
It can be incredibly frustrating to get a Massachusetts doctor's bill and see your insurance company denied a service. You may wonder how they can do that if your doctor thought something was needed. It can be upsetting. Plus, it leaves you holding the responsibility to pay the bill. It can almost make you question why you even have insurance. Is it legal for insurance companies to deny your claims?
When you have auto repair or medical bills on the table, you do not want your insurer to play games while processing your claim. Unfortunately, many Massachusetts policy holders find the first settlement offer they receive is too low to adequately pay their coverage. So why do insurance companies engage in such tactics even if policy holders have made a convincing case for their claim? Sometimes insurers are purposely looking to see what their policy holders know.
Very few people relish the thought of going up against a Massachusetts insurance company in court. You probably know that these companies off and retain lawyers and have significant financial resources to fund legal battles. However, confronting an insurer acting in bad faith could start a process that ends with you collecting the benefits you deserve.
If you have been in an accident in Massachusetts, you probably feel confident that your insurance company will make things right. However, you may be in for a bit of trouble. Insurance companies really never want to pay out. They prefer to collect premiums and deductibles, so when you make a claim, they will try hard to pay the least amount possible. This could spell trouble for you.
If you count yourself among the many Massachusetts residents who have ever filed a health insurance claim and received a denial in response, know that denied claims are not at all uncommon. In fact, many insurance disputes arise because policy holders believe insurance companies are acting in bad faith when denying their claims. If this describes your situation, you may understand all too well just how upsetting it is when your insurer denies a valid claim and leaves you panicking about how you will pay for necessary care.
In a previous post, we discussed how insurance companies sometimes refuse to provide the compensation they promise subscribers. We also mentioned some of the options available for Massachusetts policyholders who feel duped by their health insurance providers. At Kajko, Weisman & Colasanti, LLP., we take contractual obligations seriously and are always willing to discuss how to deal with any possible breach of such.
One of the initial steps to appealing a rejected claim by your Massachusetts healthcare insurer is to file an internal appeal with the insurer. At this stage, you are appealing the decision to reject your claim with the company itself and are not seeking outside intervention. To assist your chances of prevailing in your appeal, Healthcare.gov details certain documents you should gather.